¶ … worldview and adjustments to the individual problem statement. I have been astonished to discover that many more college students have problems with financial literacy than I originally thought existent. I, somehow, thought that college students were savvier with their money and more financially erudite.

Changes that I may make to the individual problem statement are to be more specific regarding the schools and colleges surveyed. I would, for instance, be interested in assessing whether students from more privileged socio-economic backgrounds would show greater financial literacy than those from economically deprived backgrounds. On the one hand, students from wealthier origin may have more experience with money matters. On the other hand, students from deprived backgrounds may need to possess knowledge of financial literacy more than those from wealthier backgrounds,...

Modification in research question assessing whether there is a difference in the habits of the various colleges and schools directed to the particular class sections would be interesting.
2. The research study that seems best suited for my doctoral study.

I would do a mixed approach since I like the richness of the qualitative approach that would generate assumptions and hypotheses and I would then ground the quantitative study on the hypothesis that have been stimulated by the qualitative. The qualitative may be grounded theory. The quantitative would be a randomized pre-test, post-test methodology using a longitudinal, cross-sectional approach. The same students that would leave school would be tested on their financial literacy at…